Pillar: Opportunity Infrastructure
19.3% of enterprises in Kishtwar are women-owned. 65.6% of women have their own bank account, behind the typical district. Small business loans in the district run at ₹45,694 per lakh population. NRLM Self Help Groups are the vehicle through which women access credit like this to build livelihoods.
88% of registered enterprises are in services while 12% are in manufacturing. Only 1% of employment is in small and medium enterprises. Only 57% of school-age children are enrolled in higher secondary school (classes 9–12). Only 8% of ITI trainers are certified.
In Kishtwar, which ranks 20 of 20 in Jammu and Kashmir for youth opportunity, the overall opportunity score is 47.2 out of 100. The district runs ahead of the national picture on women in the labour force at 65.9%, while it lags on women's freedom of movement at 30.4% and women taking part in all major household decisions at 51.8%.
Mandated services and how to locate the NRLM Self-Help Group in Kishtwar are in the Kishtwar district course and the English reference guide (Hindi). See the Kishtwar youth opportunity scorecard for the full district picture.